Current Rates

Fixed Rate Mortgage

Effective 02/10/2016

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Product 0 Points
  Interest Rate APR Payment / $1000
30 Year 3.625% 3.705% $4.56
20 Year 3.500% 3.611% $5.80
15 Year 3.000% 3.134% $6.91
10 Year 2.875% 3.067% $9.60

PLEASE CALL FOR RATES ON LOANS WITH 1 POINT, 2 POINTS OR OUR NO POINTS NO CLOSING COSTS PROGRAM

Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV - The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Subject to credit approval.


Adjustable Rate Mortgage

Effective 02/10/2016

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Product 0 Points 1 Point/2 Points/NPNCC
  Interest Rate APR Payment / $1000 Interest Rate APR Payment / $1000
3/1 ARM 3.490% 3.086% $4.42 Call for options    
5/1 ARM 3.740% 3.255% $4.66 Call for options    
7/1 ARM 4.125% 3.873% $4.94 Call for options    

Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. Adjustable rate programs are based on a 30 year term. The rate may increase after the initial period. The fully indexed rate is equal to a margin plus the current one-year T-Bill. Payment amounts on the above product does not include taxes and insurance. Your payments may be greater. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment.. Subject to credit approval.


Jumbo Loans

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Fixed Rate Construction

Effective 02/10/2016

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Product 0 Points 1 Point/2 Points
  Interest Rate APR Payment / $1000 Interest Rate APR Payment / $1000
30 Year 4.000% 4.084% $4.77 Call for options    
20 Year 3.875% 3.991% $5.99 Call for options    
15 Year 3.375% 3.515% $7.09 Call for options    
Land Loan 7.500% 7.634% $6.99 Call for options    

Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV - The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Subject to credit approval.


Adjustable Rate Construction

Please call for options.


Home Improvement Loan

Effective 02/10/2016

Interest Rates and APR are subject to change without notice. APR is annual percentage rate and is accurate as of the effective date. Rate shown for minimum loan $1,000 and maximum of $10,000.

Product Term Interest Rate APR Payment/$1,000
Home Improvement Loan Maximum 60 months 8.99% 8.99% $20.75
 

Home Equity

Effective 02/10/2016

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Product Interest Rate APR Payment/$1,000
Home Equity Line 2.99% for 36 months then Prime -1.01% for life of the loan* 4.000%* $10.61
*Wall Street Journal Prime Rate 3.250%    
20 YR Fixed Home Equity Line 6.250% 6.250% $11.23
5 YR Home Equity Loan 3.750% 3.750% $18.30
10 YR Home Equity Loan 4.500% 4.500% $10.36
15 YR Home Equity Loan 4.990% 4.990% $7.90
20 YR Home Equity Loan 5.740% 5.740% $7.02

Some additional facts: Available on 1-4 family owner-occupied homes and condominiums only. Loans available from $10,000 and up. You may borrow up to 100% combined loan to value; Loans exceeding 80% LTV may have higher rates and terms and require PMI. Property insurance required. After the initial 36 months, the Annual Percentage Rate (APR) will adjust monthly based on the highest Wall Street Journal published Prime Rate on the last business day of each month minus 1.01%. Rate will never exceed 18% APR or drop below 4% APR. If the line is closed within 3 years, the Bank's closing costs must be repaid. Interest may be tax-deductible. Ask your tax advisor.


Auto Loan

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Interest Rates and APR are subject to change without notice. APR is annual percentage rate and is accurate as of the effective date. Rates shown for minimum loan of $1,000 - loan to value amount is 95% for new and used cars. Other rates apply depending on applicant's credit score.


Personal Loan

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Interest Rates and APR are subject to change without notice. APR is annual percentage rate and is accurate as of the effective date. Rates shown for minimum loan of $1,000. $5,000 Maximum for individual borrowers. $10,000 maximum for two borrowers.


CDs

Please call for rates.


IRA

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Savings

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Money Market

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Rates are subject to change without notice. Annual Percentage Yields (APY) are accurate as of date shown. Banking regulations require a substantial penalty for early withdrawal of Term Deposits. For savings and money market accounts, the interest rate may change after account opening. Fees incurred may reduce the earnings on these accounts. Interest cannot remain on deposit on Senior Partner CD Accounts.